Give AI agents their own wallets and cards. Programmable spending rules, real-time controls, full compliance. Built in partnership with Rain & Visa using Visa Intelligent Commerce.
A complete infrastructure layer enabling AI agents to participate in the global economy.
As AI agents become more autonomous, they need the ability to hold funds, make purchases, settle invoices, and manage subscriptions — without human intervention at every step.
CiNKO provides the complete stack: from USDC-funded wallets and programmable spending rules, to Visa cards that work at 80M+ merchants worldwide. Every transaction is controlled, auditable, and compliant.
Whether your agent is procuring cloud resources, managing SaaS subscriptions, or purchasing supplies — CiNKO gives it the financial tools to operate autonomously within the guardrails you define.
Two primitives. Infinite possibilities. Give your AI agents the financial tools to operate autonomously.
Whether you're a bank extending your rails, a fintech building new products, or an AI company giving agents autonomy — CiNKO is your infrastructure.
Go from zero to autonomous agent transactions in days, not months.
Connect to CiNKO's Agent API. RESTful endpoints, webhooks, and SDKs for Python, JavaScript, and Go.
Provision wallets with USDC funding. Set spending rules, limits, and merchant restrictions.
Visa cards tied to agent wallets. Configure approval thresholds and human-in-the-loop triggers.
Real-time dashboard with transaction logs, spending analytics, instant freeze/thaw, and audit trails.
Built on the highest standards of security, compliance, and trust — so agents transact with the same protections as humans.
Cryptographic agent identity verification. Merchants can verify agent legitimacy. Prevents bot fraud at the network level.
Regulated in The Bahamas under the Digital Assets and Registered Exchanges Act. Cross-border compliance across Latin America and the Caribbean.
Configurable approval thresholds. Biometric confirmation for high-value transactions. You set the rules — agents follow them.
Institutional-grade wallet security with multi-party computation. No single point of failure. Keys never exist in one place.
Every agent transaction logged with full context. Exportable reports for compliance teams. SOC 2 Type II compliant.
All USDC holdings fully reserved and auditable. Real-time proof of reserves. Your agents' funds are always safe.
If you can do it with your Visa card today, your agent should be able to do it tomorrow — with the same security, acceptance, and protections behind the scenes.
— Visa, March 2026
Join the first wave of companies building AI-native payment infrastructure.